Fruitage Financial
Financial Management
Know your finances
Managing your finances is an important component to any financial plan.
Fruitage Financial offers a suite of tools and services that can help you manage your finances — from your everyday transactions to your monthly and annual budgets. Using our smartphone app or any modern internet browser, we can help you dive in to the nitty-gritty or see your finances from a mile high view.
Curated plans for your personal + business needs
INDIVIDUAL PLANNING
Saving
Depending on your current situation, you'll have a unique and distinct approach to saving. New graduates or young couples have different needs than retirees or mid-career families.
But no matter your personal situation, we can help develop financial habits that will lay a strong foundation for your savings. And if you’re looking for higher interest-rate savings solutions, we can connect you with some excellent solutions as well.
Click below to learn how to balance savings and investing with your other commitments.
Succession Planning
Preparing for succession after passing is a difficult issue to discuss, but it is also an important part of any comprehensive financial plan.
We can help you and your loved ones approach succession planning in a constructive manner that seeks to avoid problems in the event of your "graduation" from this experience. The process begins with at least two main considerations: life insurance and preparing a will (or the extra step of setting up something like a living trust).
Click below to discuss succession planning in more detail.
Mortgages
Owning your own home can be one of the biggest blessings of your life — but it is also a big decision that will have a major impact on financial planning. Whether you’re looking at a one-bedroom condominium or a seven-bedroom villa, we will work with you to help plan a mortgage strategy that fits your needs and considers your other financial responsibilities.
Fruitage Financial can help guide you through this important decision by assessing all the costs involved - from interest rates to renovations. We will work with you to determine whether taking out a mortgage makes sense for your budget.
Click below to discuss how to do so in a way that best fits your situation.
Learn More Below
BUSINESS PLANNING
Financial Planning for Business Owners
Business owners face unique challenges — and opportunities — with financial planning. You’ve worked hard to develop your ideas into a successful business, or perhaps you’re considering moving into self-employment. Regardless of your situation, choose a financial planning strategy that takes advantage of your unique situation.
Click below to learn how to balance savings and investing with your other commitments.
Business Succession Planning
You worked hard to develop a business and now it is time to enjoy the results. Many entrepreneurs spend years of focused effort building up a business, but then fail to consider how to make the transition to retirement. Fruitage Financial can offer advice and referrals to other professionals to plan an effective business succession strategy.
Entrepreneurs can work to turn equity in the business into capital that can be used to fund retirement. A financial advisor can help business owners with tax-effective retirement strategies, such as using life insurance policies, paying yourself a salary as the business founder, or arranging for an heir to slowly buy up your shares.
Click below to discuss strategies for business succession.